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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $305,969 | $135,645+125.6% | $110,243+177.5% | $135,380+126.0% |
| Participation rate | 100.0% | 83.5%+16.5pp | 79.8%+20.2pp | 82.6%+17.4pp |
| Annual return | -8.90% | 513.24%-522.1pp | 314.76%-323.7pp | 519.81%-528.7pp |
| Employer contribution / active EE | $19,490 | $4,907+297.2% | $3,827+409.3% | $4,779+307.8% |
| Participant deferral / active EE | $2,578 | $5,507-53.2% | $4,672-44.8% | $5,609-54.0% |
| Admin fee / account holder | $5,849 | $11,458-49.0% | $8,548-31.6% | $10,828-46.0% |